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                        <h2 class="title">贷前</h2>
                        <p>1、借款人提出借款申请后，喜蚨网风控部门对借款人的资产状况、
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                        <h2 class="title">贷中</h2>
                        <p>1、通过两轮专业风控审查之后，借款人才可以在喜蚨网发布借款信息。</p>
                        <p>2、喜蚨网与郑州银行合作开通了银行资金存管系统，实现了平台与资金真正隔离，确保投融资双方的交易的真实性和资金的安全性。</p>
                        <p>3、喜蚨网与第三方电子签名服务商“易保全”合作，在借款合同签订时创建电子签章，为合同签署的真实性、时效性提供法律证明，保障借款合同的法律效力。</p>
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                        <h2 class="title">贷后</h2>
                        <p>1、喜蚨网会根据借款合同中制定的还款计划，要求借款人严格履行合同中的还款计划；</p>
                        <p>2、根据借款合同中的还款计划，喜蚨网提前3日通知借款人按时还款还息；</p>
                        <p>3、喜蚨网会定期或不定期对借款人进行回访；</p>
                        <p>4、若借款人发生重大事项有可能影响项目还款的，喜蚨网于发现之日起48小时内将事件的起因、目前的状态、可能产生的影响和采取的措施向公众进行披露；</p>
                        <p>5、若在回访过程中发现借款人存在可能造成项目逾期的情况，喜蚨网将通知合作机构、担保人或担保机机构进行代偿；</p>
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